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0% APR Finance Available

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PayPal Credit is like a credit card, without the plastic. It's a credit limit that's attached to your PayPal account which you can use to spread the cost of your online purchases.
PayPal Pay in 3 is an interest-free loan that lets you split your basket into 3 payments. It’s a great way to spread the cost and is easy to manage.
Novuna Personal Finance provides diverse finance solutions to accommodate various budgets. When spending £250+, you have the choice of a short term 0% APR finance option, a 9.9% APR Buy Now Pay Later with 12 or 24 deferred payments, or an extended 14.9% term.†
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About Us

© Performance Cycling Limited 2026. Tredz is a trading name of Performance Cycling Limited. All Rights Reserved Company No. 03398601 | VAT No: 797 0776 69

Performance Cycling Limited trading is registered in England and Wales 03398601. Registered office: Icknield Street Drive, Washford West, Redditch, Worcestershire, England, B98 0DE.

Performance Cycling Limited t/a Tredz and Tredz Bikes is authorised and regulated by the Financial Conduct Authority and acts as a credit broker and not a lender, offering finance products from a restricted range of finance providers including PayPal UK Ltd and Mitsubishi HC Capital UK PLC.

PayPal Credit is a trading name of PayPal UK Ltd, 5 Fleet Place, London, United Kingdom, EC4M 7RD. Your actual interest rate and credit limit may vary depending on your individual circumstances.

Terms and conditions apply. Credit subject to status. UK residents only. PayPal Credit Representative Example: Representative 23.9% APR (variable), Purchase interest rate 23.9% p.a. (variable), Assumed credit limit £1,200.00.

Learn more about PayPal Credit

PayPal Pay in 3 is a trading name of PayPal UK Ltd, 5 Fleet Place, London, United Kingdom, EC4M 7RD. Your actual interest rate and credit limit may vary depending on your individual circumstances.

PayPal Pay in 3 is not regulated by the Financial Conduct Authority. Pay in 3 eligibility is subject to status and approval. 18+. UK residents only. Pay in 3 is an unregulated credit agreement.

Learn more about Pay in 3

Novuna is a trading name of Mitsubishi HC Capital UK PLC, Novuna House, Thorpe Road, Staines-Upon-Thames, Surrey, TW18 3HP.

Novuna finance products are subject to status.  UK residents only. 18+.  Terms and Conditions apply.

† Novuna Representative Example: If total purchase price is £4,255.52 and your selected term is 36 months 14.9% APR Representative, Annual Interest Rate 14.9% p.a. Fixed with £0 deposit you would pay £145.38 per month. Total amount payable will be £5.233.68 with a cost of credit of £978.16.

† Novuna Buy Now Pay Later Representative Example: If total purchase price is £4,255.52, payment holiday of 12 months followed by 24 monthly payments. 9.9% APR Representative, Annual Interest Rate 9.9% p.a. Fixed with £0 deposit you would pay £213.02 per month. Amount of Credit £4255.52, Total amount payable will be £5,112.48 with a cost of credit of £856.96. If the loan amount is voluntarily paid in full before the deferral period ends, interest will be waived but an early settlement fee up to £29 will apply.

Prior to taking out any form of credit you should ensure that the payments are affordable and how you will repay them. Taking on additional credit may make other borrowing more difficult or expensive. See product terms for more details.

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